All three major indices are trading up today with the

Dow Jones Industrial Average

(

^DJI

) trading up 186 points (1.1%) at 16,337 as of Thursday, Jan. 14, 2016, 11:55 AM ET. The NYSE advances/declines ratio sits at 1,454 issues advancing vs. 1,529 declining with 133 unchanged.

The Financial Services industry currently sits down 0.3% versus the S&P 500, which is up 0.8%. A company within the industry that fell today was

Synchrony Financial

(

SYF

), up 1.7%. Top gainers within the industry include

Nasdaq

(

NDAQ

), up 2.0%,

MasterCard

(

MA

), up 1.6%,

Orix

(

IX

), up 1.4%,

Ameriprise Financial

(

AMP

), up 1.2% and

Visa

(

V

), up 1.0%.

TheStreet would like to highlight 3 stocks pushing the industry lower today:

3.

Legg Mason

(

LM

) is one of the companies pushing the Financial Services industry lower today. As of noon trading, Legg Mason is down $1.13 (-3.4%) to $32.26 on heavy volume. Thus far, 962,515 shares of Legg Mason exchanged hands as compared to its average daily volume of 1.1 million shares. The stock has ranged in price between $31.67-$33.58 after having opened the day at $33.58 as compared to the previous trading day's close of $33.39.

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Legg Mason, Inc. is a publicly owned asset management holding company. The firm provides investment management and related services to institutional and individual clients, company-sponsored mutual funds and other pooled investment vehicles through its wholly owned subsidiaries. Legg Mason has a market cap of $3.8 billion and is part of the financial sector. Shares are down 14.9% year-to-date as of the close of trading on Wednesday. Currently there are 7 analysts that rate Legg Mason a buy, no analysts rate it a sell, and 1 rates it a hold.

TheStreet Ratings rates

Legg Mason

as a

buy

. The company's strengths can be seen in multiple areas, such as its compelling growth in net income, attractive valuation levels, good cash flow from operations, impressive record of earnings per share growth and notable return on equity. We feel its strengths outweigh the fact that the company has had lackluster performance in the stock itself. Get the full

Legg Mason Ratings Report

now.

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2. As of noon trading,

LendingClub

(

LC

) is down $0.80 (-9.0%) to $8.06 on heavy volume. Thus far, 4.4 million shares of LendingClub exchanged hands as compared to its average daily volume of 4.8 million shares. The stock has ranged in price between $7.90-$8.88 after having opened the day at $8.84 as compared to the previous trading day's close of $8.86.

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LendingClub Corporation operates as an online marketplace for connecting borrowers and investors in the United States. LendingClub has a market cap of $3.6 billion and is part of the financial sector. Shares are down 19.8% year-to-date as of the close of trading on Wednesday. Currently there are 9 analysts that rate LendingClub a buy, 1 analyst rates it a sell, and 1 rates it a hold.

TheStreet Ratings rates

LendingClub

as a

sell

. Among the areas we feel are negative, one of the most important has been very high debt management risk by most measures. Get the full

LendingClub Ratings Report

now.

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1. As of noon trading,

Navient

(

NAVI

) is down $0.29 (-3.1%) to $9.13 on light volume. Thus far, 1.6 million shares of Navient exchanged hands as compared to its average daily volume of 4.7 million shares. The stock has ranged in price between $9.04-$9.51 after having opened the day at $9.45 as compared to the previous trading day's close of $9.42.

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Navient Corporation provides financial products and services in the United States. The company operates in four segments: FFELP Loans, Private Education Loans, Business Services, and Other. Navient has a market cap of $3.6 billion and is part of the financial sector. Shares are down 17.7% year-to-date as of the close of trading on Wednesday. Currently there are 5 analysts that rate Navient a buy, no analysts rate it a sell, and 1 rates it a hold.

TheStreet Ratings rates

Navient

as a

hold

. The company's strengths can be seen in multiple areas, such as its attractive valuation levels, expanding profit margins and notable return on equity. However, as a counter to these strengths, we also find weaknesses including feeble growth in the company's earnings per share, deteriorating net income and generally higher debt management risk. Get the full

Navient Ratings Report

now.

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If you are interested in one of these 3 stocks, ETFs may be of interest. Investors who are bullish on the financial services industry could consider

Financial Select Sector SPDR

(

XLF

) while those bearish on the financial services industry could consider

Proshares Short Financials

(

SEF

).